​Americans are shopping again and they are increasingly charging it. Growth in credit card and auto loan debt added to the $35 billion increase in aggregate household debt for a total of $12.29 trillion at the end of June according to government reports.

A recent study showed that car ownership was declining in America, but with over 90 percent of households still owning a vehicle, it clearly still plays a major role in most people’s daily lives. Millennials are more likely to be interested in things like ridesharing than older generations, but a large number of them are still buying cars.

Consumer debt levels keep hitting all-time highs. But Credit Karma data looking at average consumer debt for our more than 40 million members shows there are still some cities where borrowing isn’t spiking so high.

Americans bought 16.5 million new cars in 2014. And where there are car sales, there are car loans. To find out where people are buying cars in greatest numbers, and taking on debt to do so, we scoured Credit Karma data for the cities with the highest percentage of open auto loans. Is your town on the car-mad cities list?